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Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans

This webinar will walk you through the compliance maze related to Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans.

OnDemand
Recorded Thursday,
November 30th, 2023
Presented by Jerod Moyer
2h total length
2.5 CRCM Credits
$279.00 or 1 Token

Includes: 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Auditing
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Compliance Officer
  • Internal Auditor
  • Loan Operations Manager/Specialist
  • Mortgage Lender

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Regulation Z has a whole lot of requirements for loans deemed to be a Qualified Mortgage, High Cost Mortgage or a Higher-Priced Mortgage. It also requires you to verify a borrower’s Ability to Repay on certain types of loans. Keeping all these rules straight can be quite a challenge to say the least. This webinar will look at each requirement, break it down and tell you what you need to know and how to maintain compliance!

What You'll Learn

  • All About the Ability to Repay Requirements
  • Differentiating the QM Categories
  • Policy & Procedure Recommendations and Requirements
  • Small Creditor Categories, Criteria & Status Transitions
  • Small Creditor Portfolio & Balloon Payment QMs - Are they in play for you?
  • QM vs. Non-QM Risk
  • HCM Loans - What to Look for & How to Avoid
  • HPML Criteria & Effects (Exceptions, Balloon Payments, Escrows, Appraisals, etc.)
  • Your Questions, Plain English Answers & Much More!"

Who Should Attend

This webinar is designed for consumer real estate loan officers, loan processors, compliance and audit personnel.

Jerod Moyer

Instructor Bio

Jerod is the leader of Banker's Compliance Consulting's training productions. He is a nationally recognized speaker. Whether it's a conference, seminar, school, webinar or luncheon, it's easy to stay engaged when he presents due to the amount of passion and energy he brings to each and every compliance topic. Jerod has spoken on behalf of the American Banker's Association, BankersOnline, many state banking associations, private compliance groups and financial institutions. He is a Certified Regulatory Compliance Manager (CRCM) and BankersOnline Guru.

Jerod likes to spend his time (between reading regulations and producing compliance training!) relaxing at the lake with his wife and three children, following their activities or engaged in something sports related!

Continuing Education Credit Information

Ability to Repay, Qualified Mortgage, High Cost & Higher-Priced Mortgage Loans has been approved for 2.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.

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